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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $515,556 | $167,353+208.1% | $143,797+258.5% | $134,545+283.2% |
| Participation rate | 54.5% | 84.8%-30.3pp | 80.3%-25.8pp | 81.2%-26.7pp |
| Annual return | -12.92% | 0.48%-13.4pp | -0.04%-12.9pp | 418.37%-431.3pp |
| Employer contribution / active EE | $20,162 | $5,620+258.7% | $4,952+307.1% | $4,742+325.2% |
| Participant deferral / active EE | $12,364 | $6,447+91.8% | $5,638+119.3% | $6,401+93.1% |
| Admin fee / account holder | $2,572 | $18,096-85.8% | $14,679-82.5% | $11,431-77.5% |